Senior Product Manager - Credit

About Kuda

Kuda, which means ‘love’ in Shona, is more than a fintech - it’s a movement to make financial services accessible, affordable, and truly rewarding for every African.

Backed by over $100 million from some of the world’s most respected investors, we’re building a smarter alternative to traditional banking - offering seamless money transfers, business banking, and instant access to credit, all through your device.

At Kuda, we don’t just build products - we build people. We share the love in how we collaborate, carry everyone along as we grow, break boundaries to challenge what’s possible, and show up every day committed to doing better.

If you’re driven by purpose, excited by impact, and ready to help redefine the future of finance in Africa, you’ll feel right at home here.

Responsibilties:

Own product strategy

• Define and execute the product vision for your area, ensuring alignment with Kuda's broader Credit strategy.
• Develop ambitious product roadmaps focused on customer value, portfolio performance, and business growth.
• Continuously identify opportunities to unlock new lending use cases and improve existing customer journeys.
  

Build products customers love

• Create AI-powered customer experiences and intelligent decisioning, leveraging the latest advances in AI to create faster, smarter, and more personalised lending experiences, while continuously identifying opportunities to improve how our teams build, operate, and scale products.
• Obsess over every step of the customer journey - from first application to final repayment.
• Balance customer experience with responsible lending principles.
  

Depending on your area of ownership, you'll help shape products across the entire credit ecosystem, including:

• Real-time lending experiences
• Overdrafts and personal loans
• Credit decisioning and underwriting
• Customer application journey
• Credit line management
• Repayment and collections experiences
• Portfolio optimisation and customer lifecycle management
• Pricing and behavioural interventions
• Internal tools that improve credit operations efficiency
• AI-powered customer’s credit experiences and decision making
  

Drive measurable business impact

You'll own meaningful business outcomes such as credit revenue, portfolio profitability, approval rates, lending growth, credit operational efficiency, and beyond.

We do not measure success by features shipped, we measure it by outcomes delivered.

Make data your superpower

• Build hypotheses using customer insights, behavioural data, and experimentation.
• Define product metrics and success criteria.
• Run experiments, evaluate results, and iterate quickly.
• Use quantitative and qualitative insights to make informed decisions.
  

Work across the organisation

You'll work daily across various teams, and leadership levels.This role requires influence without authority. You'll bring people together around a shared vision and drive execution across multiple teams.

Deliver at speed

We're builders. You'll continuously prioritise opportunities, remove ambiguity, unblock teams, and ship improvements quickly while maintaining high quality.

Requirements

• 7+ years of Product Management experience, with significant ownership of complex customer-facing products.
• Hands-on experience building and scaling retail credit or lending products.
• Deep understanding of unsecured lending, credit cards, overdrafts, personal loans, BNPL, or similar products.
• Strong understanding of customer journeys across the full lending lifecycle.
• Excellent product intuition supported by rigorous data analysis.
• Experience working closely with Engineering and Data Science teams.
• AI-first mindset: you're obsessed with finding practical applications of AI, not just using LLMs for writing or coding, but rethinking products, processes, and customer experiences around what AI makes possible. You constantly experiment with new tools and translate them into measurable business impact.
• Proven ability to define strategy and execute in fast-moving environments.
• Excellent prioritisation and decision-making skills.
• Outstanding communication and stakeholder management abilities.
• High ownership and accountability; you naturally think like a founder.
  

We're not looking for a generalist PM who wants to learn credit. We are looking for someone who has already built and scaled lending products, understands the complexity of credit, and is excited by the challenge of creating world-class lending experiences at scale.

Benefits

At Kuda, our people are the heart of our business, so we prioritize your welfare. We offer a wide range of competitive benefits in areas including but not limited to:

💜A great and upbeat work environment populated by a multinational team

👴Pension

📈Career development & growth

😁Competitive annual leave plus bank holidays

🎁Competitive paid time off (Parental, Moving day, Birthday, Study leave etc)

💯Group life insurance

💖Medical insurance

🎁Well-fare package (Wedding, Compassionate and etc)

✅Perkbox

🏃‍♀️Goalr - employee wellness app

🥇Award winning L&D training

💒 We are advocates of work-life balance, working in a hybrid in office schedule

Kuda are proud to be an equal opportunity employer. We value diversity and anyone seeking employment at Kuda is considered based on merit, qualifications, competence and talent.

We don’t regard colour, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status. If you have a disability or special need that requires accommodation, please let us know.